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Valued Contributor
Posts: 1,968
Registered: ‎03-30-2012
0

CLI's on WFNNB Accounts??

I'm just wondering how I should go about CLI's with a new WFNNB account I have with Express. I'm just kinda planning the year ahead....

 

I also want to make sure that they are done through SP's too!

 

Thanks all.

Scores 8/18/2015: TU FICO: 651 | EQ FICO: 645| EX AMEX FICO: 630

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $2500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1750 | Target: $1100 | J.Crew $13,950
Valued Member
Posts: 27
Registered: ‎09-21-2011
0

Re: CLI's on WFNNB Accounts??

You can request an increase online when you log into your account which are always soft pulls.  I believe you have to wait 4-6 months to request one if im not mistaken or you will get the "you do not qualify at this time" letter.

EQ MyFico: 679 4/19/2014
EX Fico: 687 4/10/2014
Discover Fico: 694 5/4/2014
Walmart Fico: 662 4/5/2014
Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
0

Re: CLI's on WFNNB Accounts??

Yea I haven't found any backdoor numbers to call.  I tried one of my cards at the 6 month mark and I got a letter saying that my account is not eligible for a CLI.  Even though I PIF each time I used it.  I'm not too happy with them but I will keep them open to see how they do at the one year mark.  But I have some pretty low limits with them like $150 for The Avenue and $300 Catherines.  What's ironic is that I have Victoria's secret and Woman Within both for $750.  All of these were opened using the shopping cart trick so I don't know if that has anything to do with it.  But I have other CCs that are 50 times the amount of my lowest WFNNB, which is now Commenity, cards.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
Posts: 1,111
Registered: ‎12-12-2011
0

Re: CLI's on WFNNB Accounts??


ecballer wrote:

You can request an increase online when you log into your account which are always soft pulls.  I believe you have to wait 4-6 months to request one if im not mistaken or you will get the "you do not qualify at this time" letter.


I was told 9 months on my account yesterday.

Walmart / SYNCB - 12,000 | JCP MasterCard / SYNCB - 10,000 | Dillard's / Wells Fargo - 5,000 | Amazon / SYNCB - 1,000 | Capital One - 4,200 | Bank Of America 123 Cash Back - 12,000 | AMEX Hilton HHonours - 2,000 | PenFed Platinum Rewards Visa Signature - 30,000 | PenFed Travel Rewards AMEX - 10,000 | PenFed PLOC - 5,000 | PenFed Thrifty Credit - 500 | Discover IT - 8,800 | Wyndham / Barclays - 2,500 | Citi Simplicity - 5,800 | Amazon.com Visa Signature - 5,000 | Chase Freedom Visa Signature - $6,200.
Valued Member
Posts: 27
Registered: ‎09-21-2011
0

Re: CLI's on WFNNB Accounts??

Guess it depends on the situation.  I have 3 wfnnb accounts opened up December of last year and received 2 increases on each.

 

Kingsize started at 250----450----650

Woman within 250----450----650

Victoria secret opened in march at 500, increased to 640 in July and last month to 940

 

All soft pulls requested by me thru the website.

EQ MyFico: 679 4/19/2014
EX Fico: 687 4/10/2014
Discover Fico: 694 5/4/2014
Walmart Fico: 662 4/5/2014
Epic Contributor
Posts: 25,813
Registered: ‎10-23-2007
0

Re: CLI's on WFNNB Accounts??

WFFNB has always been VERY slow in the beginning and 9 months sounds about right... After that it was fast and never had to ask!

 

and unlike most banks I have delt with, I have had WFFNB (Express) especially get a couple CLI almost back to back because the account was at limit before the increases.

 

Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015
Valued Contributor
Posts: 1,968
Registered: ‎03-30-2012
0

Re: CLI's on WFNNB Accounts??


Creditaddict wrote:

WFFNB has always been VERY slow in the beginning and 9 months sounds about right... After that it was fast and never had to ask!

 

and unlike most banks I have delt with, I have had WFFNB (Express) especially get a couple CLI almost back to back because the account was at limit before the increases.

 


Really...this is interesting to know. My CL is $1,000 right now so I doubt I'll actually ever charge that much, but of course, I wouldn't mind more CL so I wouldn't have to worry about UTIL much.

 

They have the button available on the website already...asks for Annual income. I guess I'll try at 6 months and see how it goes.

Scores 8/18/2015: TU FICO: 651 | EQ FICO: 645| EX AMEX FICO: 630

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $2500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1750 | Target: $1100 | J.Crew $13,950
Established Contributor
Posts: 546
Registered: ‎12-28-2012
0

Re: CLI's on WFNNB Accounts??

They increased mine automatically.....No request from me!!! 

My Wallet: Amex Express BCE $27,000, Amex Express Blue Sky $6,000, Discover $10,000, Chase Freedom $5,000, Capital One $3,750, Barclay $8,500 (AU), Jared $10,000, Pottery Barn $8,000, Sam's $10,000, Ashley's Furniture $6,000, Lowe's $7,500 (AU), Express Next $3,360, and Macy's Store Card (Joint Account) $2,000.

Last Application March 25, 2014. Score ranges 700+
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